TRADITIONAL SAVINGS

Balance and Rate Information: The interest rate and the APY may change. Interest is paid and adjusted quarterly to current market conditions. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). The daily balance method is used to calculate the interest on this account. The daily balance method applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited quarterly.

MONEY MARKET

Up to six withdrawals or transfers are allowed each month. Unlimited withdrawals or transfers can be made in person. Unlimited deposits are permitted at any time. The minimum balance required to open and obtain the Annual Percentage Yield (APY) is $500. The interest rate and APY may change after opening the account. Both the interest rate and APY are updated daily and reflect today's date. This account will be converted to a regular checking account if the limitations are exceeded.